Director salary vs dividends calculator
Compare the personal tax you'd pay taking your pay all through PAYE versus a base salary topped up with dividends.
Your details
Your entitlement
Personal tax saved with salary + dividends
£8,415.12
Option A: All through PAYESalary £80,000.00 | |
| Take-home | £56,957.40 |
| Income tax | -£19,432.00 |
| Employee NI | -£3,610.60 |
| Total personal tax28.8% of your pay | £23,042.60 |
Option B: Base salary + dividendsSalary £12,570.00 + dividends £67,430.00 | |
| Take-home | £65,372.53 |
| Income tax on salary | -£0.00 |
| Employee NI | -£0.00 |
| Dividend tax | -£14,627.48 |
| Total personal tax18.3% of your pay | £14,627.48 |
Comparison | |
| Difference in take-home | £8,415.12 |
| Per month | £701.26 |
- • Personal tax only: income tax, employee NI and dividend tax. Company taxes (employer NI, Corporation Tax) are not included.
- • 2026/27 rates for England, Wales and NI; dividend rates 10.75/35.75/39.35% with a £500 allowance.
- • Assumes no pension contributions, student loan or other income.